Hey guys, I'm Rachel Cruz. I'm George Campbell and this is Smart Money Happy Hour. Cheers, George. Cheers.
Delicious. Amazing. Well, this is the show where two friends who have new money experts talk about what you're talking about. So everything from pop culture, current events, and money. And today's vibes are excellent already, Rachel, because it's the first episode of 2025. I know you guys have a new year. We made it. The haters doubted. And thanks for being here. You know, maybe it's a fresh start. Maybe people think, hey, we want to listen to a money podcast and start a new trail. A new journey. Yeah. We're all on a journey as we are.
And today we're talking about money habits you should leave behind in 2025. Before we get to 2025, all things good and bad, let's share what we're sipping on, Rachel. It's a frostbite. What a fun drink name. And it's really good. It looks like the milk after you eat lucky charms.
Oh my gosh, that's so true. And I'm going to call this drink Oops, all booze. It's a boozy one for being such a fun color. It looks like you just be drinking blue milk, but it's not. Oh my goodness. Well, for those of you that don't know, George and I, we are in the personal finance space.
when it comes to what we talk about in life. And one of the best parts of our job when it comes to this is just new beginnings. Fresh starts, clean slights, a do-over, whatever you want to call it. It's happening. Yeah, getting out of debt, maybe investing for the first time, getting that emergency fund in place. We love to cheer people on as they take control of their finances and to start rewriting a different story.
Yeah, in the new year, it presents itself in that way, right? Everyone's looking for the fresh start. For some reason, January 1st, it's just a day, but it feels like a blank slate. It really does. Who knows what's possible? Who knows? We have all of 2025. Can you believe 20, 25? I remember Y2K. Do you remember Y2K? Yeah. Man, and that was... I think I still have trauma from what they said was gonna happen. Oh, yeah. Dave and Sharon may have had a few cases of water in the basement.
I don't doubt it. Yeah, we didn't know. I was too young to even know. Oh, you were? Well, I mean, I was in like fifth grade. I know. So I wasn't like a prepper at that point. I just remember everyone being like, the computers can't take a 2000. They can't take it. It's going to crash. Yeah, the banks are going to shut down. That's all going to crash. Yeah. And here we are. Here we are, 25 years later, 25 years later, a quarter of a century.
Yeah, I was real nervous about what you were supposed to say. A decade and I was like, that's not the right word. That's not the right word. Wow. Oh, man. Well, we're going to talk about, you know, some habits, good and bad to look at in 2025 when it comes to your money. Well, when you leave behind the bad one, you got to pick up a good one. Yeah. Yeah. And, you know, I'm sure James Clear has talked about that. I'm sure he invented that somehow. That's true. Father of the habit. Father of the habit.
He birthed it, birthed the habit. Yeah, so we are going to talk about habits in this episode. It's gonna be fun, George. Yeah, we'll call out a few non-money related habits and behaviors that we'd like to see each other leave in 2024. I've got some bones to pick with you, Rachel. All right, I can't wait to hear about it. Okay, George, what's one habit you wanna see leave in 2025?
People who are putting their financial goals on the back burner. It's always a, you know, this is like with investing. Well, I'll just do it next year. I'll get to that later on. I'll save when I'm older, right? That's, that's what people say to themselves. And it's like when you're scrolling Instagram on your couch after dinner and you're like, I'll get up, I'll go to bed at 830, 831 hits. You're like, make it 845. Then before you know it, it's midnight and your spouse is waking up to feed your infant child and you're still
Oh my gosh. Rodding on the couch like a low life. It is weird how time just evaporates when you scroll. It's not good. And doing it, I was up late last night watching a Netflix series. And I was like, I'm gonna regret this in the morning, but I just wanna finish it and be done with it. See, I don't do that. I don't have that issue. Are you like the clock hits face in your- I'm physically tired. I'm like, I can't, even if I wanted to try to stay up late, I really can't.
Does your body just know what you have like an alarm set on your phone? No, my body. No, my body. My body's like, good night Rachel. Good night, Moon. Good night, Rachel. Is Winston the night owl? No, neither of us are. Yeah, we both go to bed in an embarrassing early time sometimes, but we get great sleep, which is why we're so healthy. Didn't we just do an episode about your Sonic and McDonald's runs?
Yeah, we did. Okay. But you know what, you make up for that with your other healthy habits. That's right, that's right. So healthy habits are great. Okay, you know the one I hope stops in 2025. What's that? This whole like kind of cool factor of like not really knowing what's in your bank account.
It has become trendy to store names. It's like a trendy to be like, oh my gosh, I don't really know, but we're just going to go for it or like whatever the excuse is. But some people, it's like ignorance is bliss. Their head is in the sands. They don't even want to know what is going on with their money. We got to stop that. Yeah, I saw the video. The girl said, I don't want to look on my bank account because I don't need that negative energy in my life.
Or it's none of my business. It's literally your business. You are the business. Your business is about to be bankrupt, girl. Let's do something about this. So people like to make light of it, because I think it's a coping mechanism. Yeah. And again, money's not everything in life. We're OK to take some light-hearted approaches, for sure. But when it starts to become a pattern, and that's really how you function, you're not just joking about it with your friends, yeah.
If it's like your personality trait to make fun of how broke you are, maybe you need a new personality.
George, stop that. That's all I'm saying. Just like people who make cross figure veganism their personality. I think we need a better personality. Yeah, but there are people that like work hard and it's like, yeah, it all goes. And then they just like kind of have fun with the fact of like, oh, look at so and so over there doing that. But usually there's some toxic habits that they're sort of just like, yeah, but I'm going to keep my toxic habits. Yeah, if it's justifying it, some people are wise with it.
Come on, George, don't be grumpy. I'm a funny daddy. Don't be grumpy. So grumpy. I don't want to see that in my feed. OK, we get it. We get it. OK, other things to stop doing in 2025 using your credit card as an emergency fund. This one grinds my gears. I bet it does. The fact that you think the credit card company is your friend and your saving grace and your little security blanket, and they're going to charge you 25% APR on that purchase when you're in an emergency.
Here's my theory. Terrible. I don't think people think, I don't think people always are like, oh yeah, the credit card companies are for me. I don't think they always think that. I think they believe, I have no other option.
And this is it. Like, this is my option. I don't have 10,000, so if I needed to spend 10 grand for an emergency, I could swipe the card. I could just swipe the card. Yeah, they see it as kind of like the last line of defense, where we want you to be the last line of defense. And to actually say, hey, let's have some goals around this, so that the credit card doesn't become the safety net, because what ends up happening is you have a car issue.
And then you got to fix it with a credit card. Well, your car issues fix, but now you have a money issue versus getting the car fixed with money you've saved. And then you're done. No more issues. No more issues, right? And I found there's a correlation between people who get ahead with money and people who aren't.
getting all these ankle biter emergencies, always dragging them down using the card to swipe. And that's why the starter emergency fund is key. Getting a thousand bucks saved while it may not sound like life changing money, it really does cover those little ankle biters that keep throwing you off the wagon. Yes. Well, 40% of Americans can't cover a $400 emergency in cash. So for less, a little less than half of America, a thousand bucks is pretty good.
Which means you're swiping that card if you have a $450 emergency. Yeah, yeah, you're swiping it probably a lot. So if you want to start, get that done really fast. Takes most people 30 days or less to do this. Probably next paycheck, if you can just hunker down, cut some expenses, sell some stuff. And then you want long term a fully funded emergency fund once you're out of debt. And that's three to six months of expenses.
I call this like they never go into debt insurance policy. Because when you have that, you never have a reason to go swipe the card. That's right, that's right, yes. And that's a great place to be. Like when you get to baby step three and it's done, it's like, oh my gosh, I have no payments. And I have a fully funded emergency fund. Oh, I'm good. That's where really the stress dies down. In my early 20s, I had the Amex Sky Miles card. I had the Discover Cashback card. Did you get a lot of cashback?
No, I was broke. It's like when you think about this, when you're 20 years old, you're making no money. And you're thinking like, well, I'm going to get a great credit score. I'm going to get some sweet cash back. So I was in credit card debt. And finally, when I cut off the cards and I took that off the table, it was amazing what happened. I just made very different decisions.
Yes. And I got the thousand bucks saved, got out of my debt about 18 months, got a fully funded emergency fund, and I never looked back. No credit card since. You know, that's a really good point. It's almost like, even though the quote unquote, I pay it off every month credit card idea. We see you. We know you're out there. We know you're out there. If other parts of your money are not great either, like we don't really have a big savings. Yeah, we do have some other debt over here. You know, you're kind of just like, uh, you kind of got all these like.
where they caught rods in the fire, sticks in the fire. The irons? The irons in the fire. There's a lot of irons in the fire. Been waiting to use the word irons. That's great. I was like, rods in the fire. Is this biblical? Spare the child, burn the rods. Oh my gosh. That's the line. You got a lot of irons in the fire that aren't great, right? I guess you're kind of just managing your money, like barely getting by. It's like, oh my gosh, got all this stuff.
So to completely turn your whole perspective around money, do something drastic, like cut up the credit cards.
And it's not even the fact that you had to depend on the credit cards, because I think some people don't, but they're still paying car loans. They're still kind of like managing everything else just to keep their head above water. When you do something drastic with your money, it forces everything else to change. So it's kind of a good shock the monkey. There's another phrase for you. There we go. I got that one right. So irons in the fire were shocking them. How about this one? Burn the ships. That's one of my favorites. Wait, wait, don't burn them, right? There's some story about they burn the ships so they couldn't turn back.
So there's this like, I'm never going back moment. I don't know. It was a great historical thing. Read the book about it. I'm not going to give you a history lesson. The emergency fund is the lifeboat on the burning boat. So burn the boats, get in the lifeboat, and then you're good. They're sailing, sailing away to new heights. Wow, we have analogied this to death.
The four people that are left listening are just hanging on for dear life to their little life rafts. Oh my gosh. Gonna keep it going. Okay, the next one's for me. This is for you. Stop buying things on sale just because they're on sale. This is one of my downfalls, you know? You see a great sale, so you throw in an extra sweater in the cart because it's 50% off, right? Do you get a little dopamine head just seeing the word sale? Yeah, mine's not because I get to save more money because I get more stuff.
Oh, thank you for your honesty. It's not this like, oh, I'm playing this great game. It's like, I get more for the same amount of money I was going to spend. More bang for the buck. I'm a quantity over quality. I know it's not like the minimalism cool thing, but that is Rachel. All day, all day. Yeah, this is a big one just because it's on sale doesn't mean it's a good deal. Yep. Everything's 100% off if you don't buy it. And you can go broke while quote unquote saving money.
Right? I have on it because I'm sailing on the cars. I am wasting a lot of people mistake me for when someone I'm walking around the streets. I have to explain to them. He's a little bit taller. No, this is a good one. It's true, though. Probably the hardest one to pass up, especially holidays and sales and emotional spending, retail therapy. And now that the phone app is like, they go to you. The notification pops up, letting you know. See, I don't do notifications. What about emails? Do you get the emails? I feel like you're old. I do, but I do try to subscribe.
unsubscribe. I'm sorry, hold on. You feel like I'm old school? You just seem like an email newsletter kind of guy. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that's offensive. I don't know why that
But I do try to unsubscribe. I will go through it unsubscribe, because it'll, man, it's crazy the amount of emails you get. I love doing that like right before Black Friday, November 1st hit, and it was like every company decided, go, go, go, descend, descend. And I just started unsubscribing in mass on November 1st, because I was like, they're starting their campaigns. Yeah, and you'll get so much. So yeah, it's tempting you. So don't fall for it. And you taught me this, George, that sometimes these stores, it's the same price, but they like,
Just say it's on sale or something? I feel like that should be illegal. Well, they have the MSRP or retail price. And so they go, well, it's 40% off. And you go, it's still $78 for this cardigan, even 40% off. And next week when the sale's over, they're going to have a new sale and it's still going to be $78.
Yeah. So they use a lot of tomfoolery to trick you, Rachel. Don't fall for it. Don't fall for it, yeah. All right, another habit to leave behind, George, talking to myself, comparing yourself to others. Can I just add with a little asterisk on social media? That's the big one. I mean, man, social media. We always talk about it, but it's just true. I mean, I think it's mostly Instagram, or do you see like Facebook and other places? I don't get on anything else.
I think Instagram is the place you flex. I don't think Facebook, there's a lot of flexing. It's mostly venting. Yeah. Mostly Facebook groups. That's where I hang out. Okay. Like the neighborhood Facebook group is. All right. See, we have a group me Facebook. We have a group me the app for our neighborhood. That's pretty hip. Well, you think the guys are in there too? I feel like. Oh, yeah. Oh, yeah. Oh, yeah. What are the guys posting? Well, they have a guys group.
And a girl's group, that was the overall. So they split up? There's a lot of different groups. There's like referral group, there's social group, there's book club group, there's the website. Are you in any of the groups? Yes, I'm in all of them. Are you like mayor of your neighborhood? What are you doing? No, I just like to go to everything I can. Wow, I didn't know you were like social butterfly in your own neighborhood. Oh yeah, I started a Bible study in my neighborhood. Got 12 ladies coming.
That is actually shocking. What? I mean, you're a busy mom, you know? Like, that's a lesson on the plate. It's every other week. And it's just per semester. It's like six times a semester. We get together. Wow. Do you come up with a curriculum? Are you ready for the title of it? Yeah. Jesus and wine.
Oh, wow. So we bring wine and we go through like a study or a book or whatever it is. That's wonderful. We went through, we're ready for this. We went, we just finished last night was our last one for the semester. What's the book of the pile? I just went through last semester that I'm blanking on, but you love it. Lebacic. Nope. Oh, Ecclesiastes. Ecclesiastes. I was supposed to say Ephesians, like it was in Ephesians.
We did a Claziesties. What did you think? We went through a book with it. I was, yeah. I need to read the book. It's called Living Life Backwards. Oh. Yeah, you'll like it. Any favorite verses or takeaways from a Claziesties you like to share with a group? Yeah, since we're talking about comparing others. I like the level of like moodiness of a Claziesties that like kind of gets you down to like, what's really like, let's some rug and die. Oh, yeah. Yeah. But then it'll flip around and be like, but be merry. Enjoy your hard work.
So I love that too. Yes, it's like Bonie Verre into Michael Buble. It's a very different way. It's like the Titanic is going down. Let's have a good time. Let the band play. That's exactly it. Dance, be merry. Don't worry about trying to be in control, like just enjoy life. So everything is meaningless. So stop comparing your life to someone else. That's right. We'll wrap this all back into. Stop comparing your such others. No, that is a good one. And it's difficult because even as you, you know,
you get better in your career, you get better with money. Well, there's always someone who's nine steps ahead of you that you're like, but we don't have that kind of money. And we live in this county where Ramsey is, it's like the 11th wealthiest county of the nation. So the level of wealth here is just mind blowing. Yeah, people are, yes. Yeah, yeah.
So just don't compare. And you talk a lot about contentment. That's a great way to fight the temptation to compare. Yes. You wrote a book about it. You've got a kids book about it. You've got a journal about it. You're all about it. I need more of it. That's why I write about it. No, no, but there is a level of peace in life that is so worth chasing and to have, and to rest and be like,
Life is good. Life is fine. Why do I feel like I have to just keep going and going? And having goals and striving for stuff, it's not bad, but it's out of the motivation where that's coming from is what is so important. As someone who's goal oriented and futuristic, it's harder for me to pause and be grateful and be content.
You know, my level of like, oh gosh, keep going, keep going. It's not because I want everyone else to think I'm great. It's not that. It's this feeling of like, oh, but if I go there or get that or do that, accomplish that, something is in my life is going to be better because of it.
And that's just... And it rarely is. Rarely is. You go with you. That's one of my favorite quotes. Yes, it's so true. So like get yourself to a healthy place internally before you accomplish any external goals. Yes, I know. So deep. We were building our house and we were moving in. I was like nine months pregnant with Charles. We had a two year old and a four year old. And we were in the kitchen of our old house.
And I, it was like a few nights before we moved into our new house. And I remember telling Winston, I mean, you're, we're like feeding the kid in the high chair and there's food and it's just grow. I mean, everything's just like a mess. And I was like, I cannot wait to get to the new house. It'll all be better. Yeah. And he like looked at me and he's like, babe.
just like pick this up and set it in a new kitchen. Move this message to a nicer kitchen. It's going to be the exact same scenario, maybe with a different countertop. Nice countertop, there you go. But that's it. But for real, you kind of have this belief of like, oh my gosh, if I just had that, something else is going to be fixed within me. And it is an empty promise, an empty promise, not fulfilling. Who knew? From a smart money happy hour podcast, you'd be getting such deep life lessons. George, this isn't deep, this is life.
Oh, wow. Sorry, this is just vanity then. It's all vanity. She's been reading Ecclesiastes, clearly. This is where we go. No, no, no. I mean, this is the level at which. This is a normal level of depth for you. This is very deep for me. This is shallow waters for Mrs. Cruz.
I'm getting my lifeboat. Because your ship is burned. Come with me. I don't know where you bought that boat. I'll row us to deeper waters, George. We're rowing? We're in a rowboat? Oh, that is, yeah. No, let's have a... You should go to Rick's boats and got a nicer boat. What are you doing? You can afford a better boat. Thanks for the call. I'll sell you one. Thanks for the call back.
All right, next habit to leave behind in 2025, paying for subscriptions you rarely use. This one is close to home. And I have an honest confession that is also on growth. I finally quit my gym. Stop paying for the membership.
Good job, George. How about you? Dave talks about, you know, when it's time to quit. Like, quitting is good if you're quitting the wrong things. And for me, it was the wrong thing in the wrong season. Totally. Totally. And so I've now, we got to work out bench. I'm going to start working out with Whitney at home in the garage.
Oh my gosh, that's what Winston and I do. I said the cruises do this. You'll love it. Yes. And so she's been, I found that Whitney is a type that needs like the support of spouse who's also doing the thing. It is. It is a game changer. I'm not great at that. Yeah. Okay. I'm like, you should commit. I don't want to have to commit because you're, you know what I mean? Yeah, she loves the accountability. Yes, totally, totally. It'll feel great too. Yeah. That's great, George. It feels good to cut that. Okay. Another habit to drop. Justifying little treats.
This one's the easiest to justify because it's a little treat. It's five bucks here, seven bucks there, and it adds up. I know, I was telling some of the girls today during content meeting where I was like, man, I missed, because of my age, I think, the brunch era. Like, you know how brunch is really cool right now? Yeah. Like it wasn't 10 years ago, like when I didn't have kids, like, no one was going to brunch. Yeah, or maybe I just wasn't, I didn't know it was, maybe I wasn't cool and it wasn't the work doing that. I think nobody was inviting you to brunch.
Maybe that was it. I don't know, but now I see via Instagram. You sent your whole week around. People like girls going out to brunch with their friends. I don't know. And I'm like, man, I missed the brunch era. And I'm like, that's where I would, like it's those things that I'm like, oh my gosh, I would justify that. Like if I had the time and the bandwidth.
like give me a social situation in a restaurant. That would be my little treat. And I'm like, it's fine. Just bottomless mimosas. Yeah. Go for it. Just add it to the tab. It's just a little treat. It's been a big week. We're gonna just enjoy this. That's a, yeah, it's real. Do you do this when you're running errands? You're like, well, we should stop and get a little treat, a little Starbucks or something on the way. Yeah, I'm nice. Or out, let's get lunch. Okay, so mine's food. I'm not a Starbucks person.
I've never seen you darken the door of a Starbucks. I mean, I don't even know your Starbucks order. Oh, you ready? Either just a medium pikes place, black coffee, or a chai tea latte. That's it. Pike Place? Well, I don't know. It's the best you can do. Yeah, it's what they have on tap. So the only time I really get it is it. Get your hornoon, get a blonde roast. Is an airport. Okay. So give me the baking gouda sandwich, breakfast sandwich. Oh, that is a good one. And a pikes peak, medium, black coffee. Pike Place.
You just keep changing the name on us. But I respect that you drink black coffee, is that true? Yeah, no cream. Look at that, that's on growth. Yeah, I did that. That's a habit to leave behind. Just pouring all of the dairy and sugar you can into your coffees. Yeah, let's go black coffee. I do black coffee and curag, George.
That, I think you need to cover up. That's worth putting some cream in. Yeah. So my little tree is not Starbucks. Mine would be grabbing lunch out. A little shalatski's run through, if you know what I mean. We'll drive through action there. Number one, without black olives. Wow.
I feel like you keep saying it is if you're hoping someone's gonna like ship you this order or something like be disgusting. People don't like shalatskis, I appreciate this.
Yeah, that would be mine. And or if I was like at Target, I'd like pick up a sweater or something. That'd be a little treat. Yeah. So I don't know if that's considered little treats, but those are mine. No, that counts. Those are mine. I went to this local coffee shop, very hip, thinking like, well, I gotta try it out. And of course the lattes are, you know, six something, then you get the non-dairy milk, that's an extra dollar. So I walked out of there and I spent like, for two drinks, $15. Oh my geez. And they were fine.
Not $15 worth, and it just made me a little disgusted at myself for falling for this little treat culture. Yeah, I get that. But it was our anniversary. I get that, yeah. So I thought, if there's ever a day that treats yourself to a little treat, it's our anniversary. Go get the nice coffee.
But let us say that we are pro-treats, as long as it's in the budget, it's not impulsive, and you actually want it to buy it, and you know what it's doing to your other financial goals. The problem is, like, where'd my money go? And I look at your bank statement, and it's just little treat, little treat, little treat, big treat, little treat, little treat. Yeah, yeah, that's fair. That's fair. That's fair. That's the worst kids book ever. It's like the worst Dr. Seuss book. Little treat, little treat. Okay, last one. Letting FOMO control your financial decisions.
So this is real. Yeah, this is a habit of like, I'm actually, I just don't want to miss out. So I'm going to go into debt for this thing. I'm going to use my emergency funds to go here or there, like whatever it is. And it's affecting your financial foundation, we'll call it.
It happens a lot. It's half socially. There's the bachelor trip, the wedding, whatever the thing is that's going to be really expensive. You're out to dinner and everyone's ordering this thing and it's going to cost you this much. I don't have the money for this where I shouldn't be spending money on this. But you do it because of the...
the surroundings that you're in, your environment. Yeah, that's right. Yeah, it can happen very easily. And I would be guilty of this. This is where I'm like, ah, let's just go. In the spirit of the moment with everyone there, you're like, sure, why not? Totally. So you got to have the boundary in place before you show up. Yes. Know what you're going to spend, know what's in the budget, and know how to say no. I love it. Yeah. Well, y'all, some good habits to leave behind in 2024. That's right. Because 2025 is going to be a new, beautiful year.
Wow, you said it was such confidence and ease, I believed it. Yeah, like that was like 2024 me, is what you can say. I'm like, oh my gosh, that was so 2024. I remember 2024. That was so 2024. This is 2025, and we're doing something new. Okay, what's a habit you're gonna break, George? I have it, I'm gonna break, oh my gosh. I think phones is the new thing I need to break. Like it's just the, you just get used to just pulling out the phone. Anytime, anywhere, for as long as you want, just open up, close the app, scroll.
Tap the like button, get out of there, tap another app. I just need to put my phone away more, be more present, and get outside more. Yeah, but before we get to guilty as charge, what is in this drink? This is called a frostbite. And why is it blue?
Well, there's an ingredient that has the word blue in it. That's any indication. That's a good, that's a good hint. It's got Blanco tequila, blue curacao, creme de cacao, and heavy cream. Okay. So it's a creamy tequila blue drink. I do another flavor of blue curacao. Am I, am I teeth blue? Not that I can tell. Okay, good. But thank you for smiling. I mean, that's very nice. What would you rate this drink?
I'm going 10 out of 10. Wow. It feels like I'm inside of the movie Frozen. If I was out with friends and we were like, oh, let's get like a dessert drink, we should order the frostbite. Oh, yeah. It's such a fun night. Yeah. It feels like this is what Elsa would drink on her 21st birthday. If I may, whenever she gets there, when Frozen 9 comes out, I hope they're having frostbite.
by the fire. It's very nice. Do you know that they think that the ship at which Elsa and Anna's parents died in was actually the ship that the little mermaid was swimming around? Is that a conspiracy? I don't know. But they all connected. Do you know that all Disney movies? They have connections. I didn't know that. I didn't know you could have real conspiracies for fictional movies.
That's amazing. I can find them anywhere, George. That's amazing. Thank you for that fun fact. Yeah, you're welcome. Well, hey, try this drink, the recipes and the show notes. It costs $2.27. My rating, in case you were curious, eight out of 10. OK, why not a 10 out of 10? I'm just exhausted by the dairy drink. I just...
Michael keeps giving us dairy drinks, I know. I'm just never like, you know what I love? It's a cold glass of milk with some booze in it. So, I'm not there yet. I'm not there yet, but it is a good drink as far as dairy goes. So I'm gonna say this, it may be the tequila, but there's like that aftertaste that's great. Yeah.
It's nice. And I will say, mixologist Michael did an incredible job with glass. I mean, it's beautiful. It's got the like frosted cranberries with the sugar and simple syrup on there. The coconuts that are glued on there somehow with Elmer's. I don't know what he did to this. It's impressive.
I'm so great. So go check it out in the show notes and make it for yourself. All right, George. Now it's time for Guilty As Charged. And this is where our producer Kelly gives us a new Guilty As Charged question every week. And if we're guilty, we'll take a sip. All right, have you ever made an ambitious purchase that went with one of your goals or resolutions that you didn't do anything with? This feels like a personal burn.
almost every goal that wasn't financial, I think. I mean, buying books that I didn't read that I was like, I'm gonna read 50 books. I gotta buy the books. Didn't read 50 books. Oh, no, George. Man. That's a tough one. Man. The other one is literally any workout gear or equipment. I was like, well, if I get the right shoes, I'll work out better. But you're about to start a home gym, so you gotta use that. We did buy the bench. I have not used said bench so far. Do you have free weights? I have some dumbbells.
I need to up my dumbbell game. Not quite there yet. How about you? Yeah, I think the worst one for me, it was a workout. This was like, I don't know, maybe two years ago. And I bought a workout app because of a girl I fell out on Instagram, swore by it. And I was like, oh, yeah, this would be good. I could do this by myself.
And I went to buy it, and of course they give you a deal. But they're like, if you buy it for a year, it's $149. Or if you buy it for a month, it's $20. So you get a better deal if you buy the year-long subscription. And I was like, look at you trying to save money. And I was like, well, of course I'm going to use it for a year. Yeah. So I bought a $150 workout app. Yeah. And? Didn't use it. Oh. And then the worst part of it all.
Say it, Kelly. Oh no, it renewed. Renewed to the next year that I didn't know. I just home alone. Oh my gosh. That is awful. Do you know what I did? The renewal hurts my soul. Oh, it was, my stomach, I literally got, and my stomach dropped. I was like, oh no, no, no, no. No, that was 2022, Rachel. Like that's like, no, that's not good. Oh gosh. But you know what I did is I submitted it to the Apple Store.
Oh, for a refund. And they refunded me. Thank you. That is the most George thing you've ever done in your life. That is the life hack. If it charges you as soon as it charges. It was within 15 minutes. Yeah. Because I got the like the email. I got the email. Look at her getting emails. I got the email and I was like, oh, no, no, no, no, no.
And yeah, and it was great. It refunded me and it was fine. So I felt good about myself. I'm really proud of you for even knowing that was a possibility. And you know what else I did, and that was so great. This isn't guilty's charge. This is like amazing as charge because I did that. And then the other thing I did was I want to do my steps. I'm into steps right now. Oh, that's right. You just found out that the Apple Health app tracks your steps.
That's my story. Yeah. So I downloaded a step app. Did you pay for it? Well, that was the thing. The step app was like, oh, you get 30 days free. But whatever, whatever. So I bought it. But it wasn't going to charge me till after the 30-day trial.
Well, then I learned that Apple's been keeping my steps, which is another conspiracy theory. They know where I've been for like a long time. And I was like, oh my gosh. But they track my steps. So then I went through George and I canceled my trial of the other app so I didn't get charged. Wow. I felt very responsible. Then it really is growth for you. I know, I felt good. I felt good. Also, you should just text me before you make any life decision so I can show you the better, easier, cheaper way. And it's free on the Apple.
It is free on the Apple. It's great. It's great. This is really good. Yeah, the other things are like we bought a Peloton during COVID. Never used it. That was a hot thing. We're Peloton's gone. I feel like they kind of.
Then there was the portable treadmill. It's just like a flat little nice little treadmill. Okay, I thought about doing that for the winter to get my steps done. I should have sold you the one that we never used. Was it good? It was great. We just never used it. Okay. And so then I was like, we're going to sell it. Yeah. And so there's a lot of things that we buy and then sell for a loss and then go, we'll never do this again. And then we go do it again. Man, the workout industry, that makes a lot of money.
Oh, yeah. Well, they can pray on your security. Out of, like, good intentions. Yeah. Yeah. Good intentions is a great business model. It's great. So good. All right. OK, George. Well, if you guys have any fun, guilty, as George questions, send them our way. We're on social, just DMS. We look for them because they're always fun when they come from you all.
And make sure to follow us on social. Subscribe to this. Share the episode with friends and family and make sure to check out our episode on how to start becoming a millionaire in 2024. So we're going to go back a year. But all the advice still applies because we talk about timeless money advice. Don't we, George? That's right. It still works year after year. Yep. And so we'll see you guys next Thursday on our all new episode of Smart Money Happy Hour.
